1. Alipay repayment. You can open Alipay (10.2,53) in the version of iPhone 13 mobile phone iOS 15.0 to log in to the online service system of college student loan of China Development Bank, and then authenticate Alipay's real name, bind personal mobile phone (convenient for mobile phone payment, mobile phone password retrieval and loan expiration reminder SMS), and determine the amount of Alipay to be credited to the bank card. After that, students need to recharge Alipay in time. 2. Bank repayment. Borrowers need to bring all materials for student loans, as well as their ID cards and bank cards. After entering the bank, he will go to the staff to collect and fill out the application form, and then go to the counter to go through the repayment procedures. It should be noted that the borrower should remember to submit the repayment voucher to the relevant person in charge. Student Loan National student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan. So, how to apply for a student loan? 1. Students who apply for loans should apply to the school loan approval authority and provide necessary information about their own and their family's economic situation. 2. The information includes: my handwritten written application, family financial situation questionnaire, proof of difficulties above street level, guarantor's letter of guarantee, my actual performance, etc. 3. Commit to the liability clauses related to repayment, and provide my repayment guarantor. In summary, Alipay repays. Students can log on to the online service system of student loans in colleges and universities of China Development Bank, and then carry out Alipay real-name authentication, and bind their personal mobile phones (convenient for mobile phone payment, mobile phone password retrieval and loan maturity reminder SMS, etc.). ) and determine the amount paid by Alipay to the bank card. After that, students need to recharge Alipay in time and check the repayment situation in time.
Second, what should I do if the student loan is not on the guarantor?
Yes, if the borrower cannot repay the loan, the guarantor will repay the loan. In this case, the guarantor must return it after passing the judgment without objection. Now you have to find a way to get it back. There is no other way, or apply to the bank to cancel your guarantee qualification.
Third, what should I do if the college student loan is not repaid?
Consequences of non-repayment of loans: 1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments; 2. If the lender fails to perform the judgment within the performance period after winning the case, it will apply for compulsory execution; 3. When accepting enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; 4. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. Basically, it won't affect, and you can repay on time in the future.
4. How many days do college students spend in loans overdue?
The repayment time of the national student loan shall be subject to the repayment time agreed in the contract. Under normal circumstances, the annual repayment time is 65438+February 20th, and the repayment time of the last year is September 20th. If the repayment is made in advance or overdue, the repayment time of the national student loan will change. 1. Normal repayment time If it is normal repayment, the repayment time shall be subject to the contract. Usually, the repayment time agreed in the contract is 65438+February 20th or September 20th.
Loan students need to recharge the payable amount to Alipay account 5 days in advance, and then wait for the system to automatically deduct the money.
2. Time for prepayment If you want to apply for prepayment, you need to apply for repayment before 10 every month.
After the application is approved, the prepayment time will be changed to 15 of the current month, and the loan students need to recharge the due amount to Alipay account before 15, and then wait for the system to automatically deduct the money.
3. Overdue repayment time In case of overdue repayment, the overdue repayment time is the 20th of each month.
Loan students need to recharge the repayment amount to Alipay account before 15, and the repayment amount should include overdue principal and interest and penalty interest as of the 20th of this month. I hope this answer is helpful to you. This answer is provided by Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Finance). The reliable interest rate is low, and the amount can be calculated immediately by clicking the bottom of the mobile phone, and the maximum loan amount is 200,000.